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Held by 433 of 5,944 reporting institutions (96th percentile) — extremely crowded.
Data as of Q1 2026
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Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $218.97 today, the market must believe free cash flow compounds 11.2%/yr for a decade (off $453M normalized FCF).
The market's 11.2% is more conservative than its 9-yr track record.
2-stage DCF · 0.04B shares · net debt $2.1B
mean 35.0% · volatility σ 65% · implied rate exceeded in 4/9 yrs
Central path = implied 11.2%/yr growth; shaded band = ±1σ (65%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
Insufficient balance-sheet detail (needs retained earnings, working capital, equity).
Eight indices comparing this year to last (receivables, margins, asset quality, growth, accruals, leverage). Above −1.78 suggests possible manipulation; below −2.22 is clean.
A screen, not proof — high growth alone can raise it.
Earnings are backed by cash (FCF ≥ net income) — high quality. Lower/negative accruals = higher quality (Sloan).
Coverage data unavailable.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
The dividend is comfortably covered — only 13% of free cash flow, leaving room to grow it and fund buybacks. Last year: $71M dividends + $116M buybacks = $187M returned on $531M FCF.
4 consecutive years of dividend increases · 16%/yr.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Insufficient data. Current ROIC on all capital: 7%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $125M covers the $0 due within a year 125197000.0× over. Scheduled principal only (excludes interest & revolver draws). As of 2025-12-31 (10-K).
Insufficient EBITDA/debt history.
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Interest expense isn't separately reported — often netted into “other income (expense), net.” Effective rate ~5.8% on $1.6B of debt. Interest last disclosed in FY2023 (no longer broken out).
Cash vs short-term debt unavailable.
Mostly long-term debt (balance-sheet current vs non-current split). See the maturity ladder above for the year-by-year repayment schedule.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
EOD close · as of 2026-09-17
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.66B 100.0% | $3.39B 100.0% | $3.15B 100.0% | $2.73B 100.0% | $1.70B 100.0% | $1.63B 100.0% | $1.86B 100.0% | $1.78B 100.0% | $1.78B 100.0% | $1.09B 100.0% |
| Cost of Revenue | $1.82B 49.7% | $1.76B 51.9% | $1.64B 52.2% | $1.46B 53.7% | $779.8M 45.9% | $720.1M 44.1% | $846.1M 45.4% | $814.1M 45.7% | $832.3M 46.8% | $483.6M 44.4% |
| Cost of Products | — | — | — | — | — | — | — | — | $679.7M 38.2% | $418.6M 38.5% |
| Gross Profit | $1.84B 50.3% | $1.63B 48.1% | $1.51B 47.8% | $1.26B 46.3% | $919.2M 54.1% | $911.1M 55.9% | $1.02B 54.6% | $966.8M 54.3% | $947.5M 53.2% | $604.8M 55.6% |
| Selling, General & Admin | $232.8M 6.4% | $178.0M 5.3% | $181.7M 5.8% | $147.9M 5.4% | $111.3M 6.5% | $110.9M 6.8% | $122.3M 6.6% | $120.0M 6.7% | $122.5M 6.9% | $96.5M 8.9% |
| Total Operating Expenses | $1.39B 38.1% | $1.29B 38.0% | $1.21B 38.5% | $941.0M 34.5% | $752.6M 44.3% | $767.4M 47.0% | $793.7M 42.6% | $761.5M 42.8% | $775.2M 43.6% | $511.4M 47.0% |
| Interest Expense | — | — | $93.2M 3.0% | $70.7M 2.6% | $32.4M 1.9% | $29.3M 1.8% | $34.0M 1.8% | $29.2M 1.6% | $24.0M 1.4% | $20.3M 1.9% |
| Interest & Investment Income | $2.9M 0.1% | $1.9M 0.1% | $1.5M 0.0% | $1.3M 0.0% | $696K 0.0% | $1.5M 0.1% | $1.1M 0.1% | $2.4M 0.1% | $1.6M 0.1% | $751K 0.1% |
| Other Income (Expense), net | $15.9M 0.4% | $5.3M 0.2% | $6.7M 0.2% | $2.7M 0.1% | -$949K -0.1% | -$10.5M -0.6% | — | — | — | — |
| Pretax Income | $447.6M 12.2% | $342.8M 10.1% | $292.8M 9.3% | $323.6M 11.9% | $166.5M 9.8% | $143.7M 8.8% | $224.6M 12.0% | $205.3M 11.5% | $172.3M 9.7% | $93.4M 8.6% |
| Income Tax Expense | $117.2M 3.2% | $84.0M 2.5% | $73.5M 2.3% | $70.1M 2.6% | $41.6M 2.4% | $37.1M 2.3% | $60.0M 3.2% | $52.1M 2.9% | $28.4M 1.6% | $33.3M 3.1% |
| Net Income | $330.4M 9.0% | $258.8M 7.6% | $219.3M 7.0% | $253.5M 9.3% | $124.9M 7.4% | $106.6M 6.5% | $164.6M 8.8% | $153.2M 8.6% | $143.9M 8.1% | $60.1M 5.5% |
| Per Share | ||||||||||
| EPS (Basic) | $7.46 | $5.76 | $4.82 | $5.37 | $3.05 | $2.57 | $3.83 | $3.42 | $3.01 | $1.72 |
| EPS (Diluted) | $7.42 | $5.73 | $4.80 | $5.36 | $3.04 | $2.56 | $3.81 | $3.41 | $3.00 | $1.72 |
| Weighted Avg Shares (Basic) | 44.3M | 45.0M | 45.5M | 47.2M | 41.0M | 41.5M | 43.0M | 44.8M | 47.9M | 35.0M |
| Weighted Avg Shares (Diluted) | 44.5M | 45.2M | 45.7M | 47.3M | 41.0M | 41.6M | 43.2M | 44.9M | 47.9M | 35.0M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Ranked against 838 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| JPM | $941.8B | 17.4× | — | 5.2× | 2.8% | — | 31.3% | 15.7% | 13.4% | — | 4,823 |
| V | $692.5B | — | — | 17.3× | 11.3% | — | 50.1% | 52.9% | 31.8% | — | 4,229 |
| MA | $512.0B | 34.3× | — | 15.6× | 16.4% | — | 45.6% | 193% | 56.0% | — | 3,430 |
| BAC | $419.6B | 15.3× | — | 3.7× | 6.8% | — | 27.0% | 10.1% | 4.9% | — | 3,337 |
| GS | $282.1B | 18.5× | — | — | — | — | — | 13.7% | 3.6% | — | 2,857 |
| WFC | $269.2B | 13.9× | — | — | — | — | — | 11.8% | 5.7% | — | 2,691 |
| AXP | $213.5B | 20.2× | — | 5.2× | 6.4% | — | 26.2% | 32.4% | 11.9% | — | 2,787 |
| TYFG | $191.9B | 14.2× | — | 11135.5× | 10.2% | — | 79.3% | 8.7% | 8.7% | — | 1 |
| SCHW | $189.7B | 22.6× | — | 7.9× | 22.0% | — | 37.0% | 17.9% | 17.9% | — | 2,225 |
| HDB | $173.4B | 21.8× | — | 6.8× | 15.2% | — | 30.8% | 8.8% | 4.5% | — | 570 |
| UBS | $168.5B | — | — | — | — | — | — | — | — | — | 660 |
| BLK | $163.4B | 29.9× | — | 6.8× | 89.3% | — | 22.9% | 9.9% | 8.1% | — | 2,196 |
| GLD | $134.4B | — | — | — | — | — | — | — | — | — | 3,072 |
| CB | $133.7B | 13.3× | — | 2.3× | 6.5% | — | 17.4% | 14.0% | 11.3% | — | 2,002 |
| PGR | $127.2B | 11.3× | — | 1.4× | 16.3% | — | 12.9% | 37.3% | 37.3% | — | 1,685 |
| SPGI | $121.5B | 27.8× | 17.4× | 7.9× | 7.9% | 70.2% | 29.2% | 14.4% | 10.1% | 1.7× | 2,005 |
| HOOD | $97.6B | 53.6× | — | 21.8× | 51.6% | — | 42.1% | 20.6% | 20.6% | — | 1,230 |
| CME | $97.5B | 24.3× | — | 15.0× | 6.4% | — | 62.5% | 14.2% | 14.2% | — | 1,699 |
| USB | $95.6B | 12.9× | — | 3.3× | 4.4% | — | 26.4% | 11.6% | 9.2% | — | 1,901 |
| BX | $93.9B | 32.4× | — | 6.5× | 9.2% | — | 20.9% | 34.8% | 14.2% | — | 2,037 |
| PNC | $91.7B | 13.9× | — | 4.0× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 1,839 |
| AMUB | $89.8B | — | — | — | — | — | — | — | — | — | 7 |
| KKR | $87.5B | — | — | 4.5× | -11.0% | — | 12.2% | 7.7% | 7.7% | — | 1,216 |
| ICE | $86.9B | 26.6× | 20.6× | 6.9× | 7.5% | — | 26.2% | 11.5% | 6.8% | 3.8× | 1,641 |
| MRSH | $84.7B | 20.7× | 15.4× | 3.1× | 10.3% | — | 15.4% | 27.2% | 11.9% | 3.0× | 1,471 |
| FCFS | $9.6B | 29.5× | — | 2.6× | 8.0% | 50.3% | 9.0% | 14.5% | 7.4% | — | 433 |
Peers = companies sharing FCFS's sector (Financial Services) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
EOD close · as of 2026-09-17
No material risks flagged.
Where each multiple sits in its own 14-yr range · 100th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 14-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Watch the leverage lever — a chunk of ROE comes from the balance sheet.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
Operating leverage needs meaningful revenue change.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | 45.7 | 45.4 | 44.1 | 45.9 | 53.7 | 52.2 | 51.9 | 49.7 |
| Gross Profit | 54.3 | 54.6 | 55.9 | 54.1 | 46.3 | 47.8 | 48.1 | 50.3 |
| SG&A | 6.7 | 6.6 | 6.8 | 6.5 | 5.4 | 5.8 | 5.3 | 6.4 |
| Income Tax | 2.9 | 3.2 | 2.3 | 2.4 | 2.6 | 2.3 | 2.5 | 3.2 |
| Net Income | 8.6 | 8.8 | 6.5 | 7.4 | 9.3 | 7.0 | 7.6 | 9.0 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on FCFS: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.